Fees and terms
Rates and fees can change by applicant profile and issuer updates. Confirm current terms on the issuer website before applying.
- Annual fee
- $35
- Purchase APR
- APR range: 23.89%
- Balance transfer APR
- Check issuer terms
- Cash advance APR
- APR range: 23.89%
- Foreign transaction fee
- Check issuer terms
- Late payment fee
- Up to $41
- Grace period
- 25 days
- Recommended credit
- Limited/Building Credit
- Terms last updated
- 6/22/2026
Key benefits
- Issuer terms and applicant profile determine available benefits
Rewards breakdown
Wafacard summary: Merchant offers: Up to 10%; Only qualifying purchases through participating OpenSky merchant offers earn this rate; it is not a blanket everyday rate.. Confirm current categories, caps, and eligibility with the issuer.
Intro offer: Check the issuer page for any current introductory offer and eligibility rules.
Card details
Wafacard note: benefit details vary by issuer terms, card network, approval profile, and enrollment requirements.
- Network
- Visa
- Review status
- Terms reviewed 6/30/2026
Is OpenSky® Secured Visa® Credit Card worth it?
The OpenSky® Secured Visa® Credit Card is a secured card from OpenSky with a $35 annual fee — a mid-range cost that should be offset by everyday value. It lists Merchant offers only on eligible spending, and the breakdown below shows how that earning applies across categories. New cardholders may also qualify for a welcome offer: Check the issuer page for any current introductory offer and eligibility rules. It is generally aimed at applicants with limited/building credit credit, with a purchase APR around APR range: 23.89%. Confirm current terms on OpenSky's site before applying.
